Arokiam Issac Dsilva

· Handled customer relations issues, enabling quick resolution, and client satisfaction.

· Resolved customer issues quickly to close deals and boost client satisfaction.

· Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.

· Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.

· Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.

· Coached employees in successful selling methods and encouraged cross-selling to drive revenue.

· Met with clients, delivering presentations, and educating on product and service features and offerings.

· Closed lucrative sales deals using strong negotiation and persuasion skills.

· Established and cultivated solid business relationships with new or existing customers.

· Built relationships with customers and community to establish long-term business growth.

· Achieved sales goals and service targets by cultivating and securing new customer relationships.

· Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

· Analyzed credit scores to determine borrowers' creditworthiness.

· Analyzed customer data such as financial statements to determine level of risk involved for extending credit.

· Monitored credit accounts routinely to identify and mitigate issues and prevent losses.

· Collaborated with other teams to identify and mitigate risks impacting organization.

· Gathered loan documentation for underwriting.

· Made decisions and recommendations about extending lines of credit.

· Investigated and resolved customer disputes related to credit decisions.

· Negotiated payment plans and loan terms with delinquent customers.

· Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.

· Delivering targets assigned on Personal loans for a cluster of 11 Retail branches .

· Cultivating and maintaining relationships with key stakeholders in the branch banking team (CH/BM/ADM/RM) thereby ensuring robust lead generation and fulfillment for Personal loans.

· Planning and execution of Marketing activities in branch catchments to maximize PL business.

· Doing branch scoping activities for understanding of branch profile, nature of catchment areas & identification of sourcing opportunities.

· Also handled DSA and delivered the assigned targets on Personal Loans

· Managing and driving a team comprising of Team Managers/Branch Development Representatives.

· Cross-sold bank products and services to meet customer needs and provide options.

· Promoted financial products by maintaining excellent service offering knowledge.

· Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.

· Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.

· Followed up with customers to gather feedback and provide additional assistance.

· Networked to increase client base and encourage existing clients to expand financial portfolios.

· Answered customer questions and explained available services such as deposit accounts, bonds, and securities.

· Processed deposits, withdrawals and ACH transfers accurately.

· Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.

· Balanced cash drawers and vault accounts on daily basis with zero discrepancies.

· Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.

· Monitored customer accounts to detect irregularities or suspicious activity.

· Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.

· Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.

· Discussed financial options with clients and provided informed suggestions.

· Met with members to understand goals and recommend solutions to fit specific needs.

· Worked with clients to develop financial planning strategies and solutions through evaluation of finances.